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Government Housing Schemes

If you're eligible for the Tenants Purchase, Home Ownership or Secondary Market Schemes, we can help you buy your home.


Property valuation tool


Mortgage calculators

Home Ownership Scheme

Eligible families and individuals can buy a government-subsidised flat for less than the market rates.



  • Choose from monthly or fortnightly repayments on a straight-line or step-up plan

  • Our experts can walk you through the application process

  • Borrow up to 95% of the property’s value

  • Take out a mortgage for up to 25 years

Get help to buy a home with ease under the Home Ownership Scheme.

Tenants Purchase Scheme

Residents of selected estates under the Hong Kong Housing Authority can buy their flat at an affordable price.



  • Choose from a range of repayment plan options

  • Borrow for up to 25 years

  • Get expert step-by-step help with your application

With a mortgage of up to 100% of the property value, you can lower the burden on your financial arrangements.

Mortgage Tools and Resources


Find out how much you can borrow; what it will costs; and how much you can save with a Deposit-linked Mortgage


Estimate the current value of a flat in major estates of Hong Kong with our simple address-based tool.

Related products and services


Manage your cash flow more easily with loans to cover a variety of expenses.


Own your home sooner and save on interest or repay less in the earlier years.


Protect your new home with policies that cover your home's structure against hazard, your belongings and more.

To borrow or not to borrow?

Borrow only if you can repay!


1 Hong Kong Interbank Offered Rate (HIBOR) as at any date means the Hong Kong Interbank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by The Hongkong and Shanghai Banking Corporation Limited at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by The Hongkong and Shanghai Banking Corporation Limited is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks.

2 Best Lending Rate (BLR) refers to the Hong Kong Dollar Best Lending Rate quoted by The Hongkong and Shanghai Banking Corporation Limited from time to time.